Credit cards

Banca Intesa is the only bank on the domestic market that offers you credit cards of all three world-renowned brands: Mastercard, American Express and Visa, which you can use both in the country and abroad.

Whichever Banca Intesa credit card you choose, it will provide you with the following benefits:

Payment in instalments without interest at more than 6,000 retail outlets in the country.

Deferred payment without interest

Payments via the revolving loan model

Not paying the annual membership fee on credit cards you receive as part of Intesa HIT current account, because they are part of the current account package.

Gifts, rewards and discounts can be received through numerous campaigns and credit card offers all year long.

With Banca Intesa credit cards you can make payments in instalments without interest in more than 6,000 retail outlets throughout Serbia. The total amount of the transaction is divided into equal monthly instalments, and as such is completely interest-free. Retailer with whom Banca Intesa has a business cooperation agreement determines the number of instalments. Depending on the retailer and the transaction amount, th number of instalments can vary from 2 to 12. Immediately after the transaction is made, the credit limit on the card is reduced by the transaction amount.

For credit cards from Mastercard and Visa programs, instalments are due for payment on the 10th of the month, for the American Express credit cards, instalments are due for payment on 15th of the month in the original amount, and as such are completely interest-free. The monthly invoice for the credit card will show the instalment amount which is due for payment, and the description part will show which monthly instalment is in question.

Payment in instalments with American Express credit cards differs from Mastercard and Visa credit cards, and functions as follows:

the first instalment is due for payment in full, immediately with your next monthly statement

all subsequent instalments are due in full via statements in the coming months depending on the number of instalments, and are entirely interest-free

Example of payment in monthly instalments with American Express credit cards:

Transaction

Amount in RSD

1. Purchase made in 3 instalments

30,000

2. Instalment amount (30.000/3)

10,000

3. Monthly membership fee

200

Minimum payment amount on the statement:

Instalment in full from item 2 + monthly membership fee

10,000+200

Total:

10,200

Due instalment can be settled in full (through Banca Intesa’s On-line service or at the Bank's terminal) or via the minimum payment amount (as specified on the credit card invoice).

This benefit, which comes with the American Express cards, offers the possibility to defer payment for up to 45 days at any retail point, and with Mastercard and Visa credit cards for up to 40 days, also at any retail point.

Revolving loan offers you the possibility to settle a minimum of 5% of liabilities of total spending from the previous period, while an interest is being calculated on the remainder of your debt. Incurred obligations under the Mastercard and Visa credit cards are settled by the 10th of the month and for American Express by the 15th of the month. Obligations can be settled via the Banca Intesa standing order, On-line service, Telephone Banking, Intesa Mobi service, as well as through payment in person at the Banca Intesa or terminals of other banks, including the Post Office.

In addition to all the aforementioned benefits of Banca Intesa Mastercard credit cards, this type of card has an extra functionality of contactless payments.

Also, there is no need for entering a PIN code or signing a receipt for all transactions up to 1,500 RSD! All you need is to bring your Banca Intesa Mastercard contactless payment card to a reader marked with the contactless payments label and the transaction will be automatically executed! This card can also be used for contactless payments over 1,500 dinars, in which case you will have to type in your PIN number.

To execute transaction it is not necessary for you to give your contactless card to the vendor, it is enough to lean it against the contactless reader, which provides this mode of payment with additional security.

Thanks to Mastercard contactless payment technology you become an active participant in payment process, and the card never leaves your hands.

Payment in instalments without interest and deferred payment up to 40 days

Mastercard Standard with the Intesa Hit current account is an international credit card which is accepted worldwide at 28 million retail points and 800,000 ATMs, including Serbia, bearing the Mastercard logo.

This credit card can be obtained with Intesa Hit current account and it does not require of you to pay the annual membership fee, because it is a part of the package of the current account for which the monthly maintenance fee is 300 dinars.

Pay in instalments with no interest and with deferred payment of up to 45 days

American Express credit card has a modern and attractive design and can be used for payment of goods and services, as well as cash withdrawal in the country and abroad, at any and all locations bearing the American Express logo.

This credit card can be obtained via the Intesa Hit current account and it does not require you to pay any annual membership fee, since it comes as part of the current account package which has a monthly maintenance fee of 300 dinars.

It allows the use of several flexible payment options while providing many other benefits, including longer term of deferred payment without interest and Selects rewards program consisting of numerous discounts and benefits worldwide.

It is accepted at more than 20,000 sales outlets throughout Serbia, and the number of retailers that join our acceptance network increases each and every day.

Payment in instalments with no interest and deferred payment of up to 45 days

American Express credit card can be used for payment of goods and services as well as cash withdrawal in the country and abroad, at any and all locations bearing the American Express logo.

It allows the use of several flexible payment options while providing many other benefits, including longer term of deferred payment without interest and Selects rewards program consisting of numerous discounts and benefits worldwide.

It is accepted at more than 20,000 sales outlets throughout Serbia, and the number of retailers that join our acceptance network increases each and every day.

Pay in instalments with no interest and with deferred payment of up to 45 days

American Express® Green, prestigious internationally recognized credit card, can be used to pay for goods, services and cash withdrawal in the country and abroad, at places marked by the sign of American Express.

It allows the use of several flexible payment options and provides other benefits, some of which are higher credit limit, longer term of deferred payment without interest and Selects, a program of numerous discounts and benefits worldwide.

It is accepted at more than 20,000 sales outlets throughout Serbia, and the number of merchants that join our acceptance network increases each and every day.

It can also be used in 200 countries worldwide, at several million sales outlets, half a million of ATMs and in more than 2,200 American Express Travel Agencies.

Pay in instalments with no interest and with deferred payment of up to 45 days

American Express® Green credit card with a 100% deposit is a prestigious internationally valid credit card. Limit for consumption per credit card is approved on the basis of termed funds on a dedicated deposit account. The minimum deposit amount is 500 EUR, and maximum is 10,000 EUR.

You can participate in the Selects rewards program consisting of numerous discounts and benefits worldwide.

Pay in instalments with no interest and with deferred payment of up to 45 days

The American Express Green credit card is intended exclusively for members of the Serbian Medical Chamber and their employees, and represents a prestigious internationally recognized credit card which can be used for payment of goods and services as well as cash withdrawal in the country and abroad at any and all locations bearing the American Express logo.

You do not pay the monthly membership costs in the first year of use, you receive global travel health insurance, with an extended deferred payment period without interest and the Selects program of numerous discounts and benefits worldwide.

Pay in instalments with no interest and with deferred payment of up to 45 days, with free travel insurance benefit card

American Express® Gold credit card is your privilege! This prestigious credit card can be used for payment of goods and services as well as cash withdrawal in the country and abroad, at any and all locations bearing the American Express logo.

It allows the use of several flexible payment options and provides other benefits, some of which are a higher credit limit, Gold gift package of travel health insurance benefits for the whole world, longer term of deferred payment without interest and Selects, a program of numerous discounts and benefits worldwide.

It is accepted at more than 20,000 sales outlets throughout Serbia, and the number of retailers that join our acceptance network increases each and every day.

It can also be used in 200 countries worldwide, at several million retail outlets, half a million of ATMs and in more than 2,200 American Express Travel Agencies.

Payment in installments without interest and deferred payment up to 40 days

Every time you make payments with Visa Classic Paralympic card, Banca Intesa donates money to the Paralympic Committee of Serbia Fund. This way, for more than 8 years so far, together with the Paralympic Committee, we continue to substantially improve the position of athletes with disabilities, encourage the development of Paralympic sport in Serbia and help with preparation and participation of our team at the Paralympic games.